Guides › Financial Advisor Fees
Updated September 18, 2026. Quick answer: It depends which strategy you pick: Premier Series Program runs from $10,000 to $250,000, depending on the specific strategy or model portfolio. At the $10,000 low end, Lincoln Financial Advisors’ own fee schedule works out to $300 a year; strategies at the high end require substantially more.
The minimum, in the firm’s own words
“The minimum investment amount for Premier Series Program accounts varies by investment program selected and, if applicable, by the Sub-Manager or Strategist selected. Generally, the investment minimums for the Premier Series Program investment programs discussed above are as follows: … Premier SMA Program – $100,000 for each Sub-Manager selected … Premier Unified Portfolio – $250,000 … PMC Strategist Program – $25,000 … Premier Strategist Program – $10,000 to $50,000 for each Strategist selected”
On waivability: “Actual minimum investment amounts for any Premier Series Program investment strategy, Sub-Manager, or Strategist vary and are in certain cases higher or lower than listed above. The minimum investment amounts generally are negotiable at the discretion of OFA, EPS, Sub-Managers, or Strategists, as applicable.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| Premier Series Program (lowest-minimum strategy) | $10,000 | $300 | Partially, at the firm’s discretion |
| Premier Series Program (highest-minimum strategy) | $250,000 | Varies by strategy | Partially, at the firm’s discretion |
| Source: Osaic FA, Inc. Premier Series Wealth Management Program, Form ADV Part 2A – Appendix 1 (Wrap Fee Program Brochure), October 1, 2024 | |||
The $10,000 low end (Premier Strategist Program, per-Strategist minimum) at the Premier Series Program’s disclosed 3.00% ceiling: $10,000 x 3.00% = $300. Other Premier Series sub-programs require up to $250,000 (Premier Unified Portfolio) at the same ceiling.
Lincoln Financial Advisors’ own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $7,500 |
| $500,000 | $15,000 |
| $1,000,000 | $30,000 |
| $2,000,000 | $60,000 |
What else to know
Lincoln Financial Advisors Corporation was acquired by Osaic Holdings, Inc. in May 2024 and renamed Osaic FA, Inc. (CRD 3978). That entity’s own SEC investment-adviser registration was terminated effective January 28, 2025; its advisory business now sits under Osaic Advisory Services, LLC (CRD 171070), the entity cited in this page’s Sources. The minimum-investment figures above are unaffected: they come from the Premier Series Program’s own, still-current brochure, dated October 1, 2024.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Lincoln Financial Advisors’ own published fee schedule runs up to $15,000 a year (the published maximum); see the full dollar breakdown from Lincoln Financial Advisors’ own fee disclosure across several account sizes.
Already a client and thinking about the minimum a different way, like whether you could get a better deal elsewhere? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
Compare your next step
Just comparing fees? Keep reading the fee guide.Optional next step
Explore an adviser match
Compare the services and the full fee before deciding whether to hire anyone.
- No fee to request a match
- No obligation to hire
Expect questions about your situation, your name, email and phone, and phone verification by text. A match is not guaranteed.
The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
Opens here. Nothing loads and nothing reaches Kapitalwise until you press the button.
How our partner relationships workCompare an adviser match before you decide
Ask about the full fee, what it covers and how the adviser is paid. A match is an introduction, not a recommendation from Clear Money Guide.
- Free matching service
- No obligation to hire
The matching service is run by WiserAdvisor, an independent advisor-matching company. It opens on their site, asks for your ZIP code and a few questions, and matches you with 2 to 3 vetted advisors. It is free to you. WiserAdvisor states the service is built for portfolios of $250,000 and above. By submitting, you consent to emails, phone calls and text messages from WiserAdvisor and up to three advisors, so expect to be contacted. Advisers pay for the introduction. Clear Money Guide is paid when you complete the form, whether or not you ever hire anyone. There is no obligation to hire anyone.
Continue to WiserAdvisorOpens on WiserAdvisor’s site in a new tab.
Source: WiserAdvisor’s service descriptionSources
- Osaic FA, Inc. Premier Series Wealth Management Program, Form ADV Part 2A – Appendix 1 (Wrap Fee Program Brochure) (October 1, 2024): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=926535
- SEC Investment Adviser Public Disclosure, Osaic Advisory Services, LLC (CRD #171070): https://adviserinfo.sec.gov/firm/summary/171070
- Osaic Advisory Services, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/171070/PDF/171070.pdf
Methodology. This page was built September 18, 2026, quoting directly from Lincoln Financial Advisors’ own current Form ADV Part 2A / wrap-fee brochure, with the source linked above. The annual-fee-at-the-minimum figure applies that same brochure’s own published fee schedule to the disclosed minimum dollar amount; any distinction we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice, and it is not a substitute for reading the firm’s own Form ADV Part 2A. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Already decided to move on? See what it actually costs to leave Lincoln Financial Advisors.
Weighing whether to move ahead? Read the full Lincoln Financial Advisors review, including its fiduciary status and what it costs to leave.
Comparing Lincoln Financial Advisors against other options? See Lincoln Financial Advisors alternatives, including a lower-fee full-service firm, a flat-fee route, and a robo/hybrid.
For another firm’s account minimum, see Fidelity Wealth Management Minimum Investment (2026): What It Takes to Open an Account.
For another firm’s account minimum, see Fisher Investments Minimum Investment (2026): What It Takes to Open an Account.
For another firm’s account minimum, see J.P. Morgan Advisors Minimum Investment (2026): What It Takes to Open an Account.
For another firm’s account minimum, see LPL Financial Minimum Investment (2026): What It Takes to Open an Account.
For another firm’s account minimum, see Mariner Wealth Advisors Minimum Investment (2026): What It Takes to Open an Account.
For another firm’s account minimum, see MassMutual Minimum Investment (2026): What It Takes to Open an Account.
For another firm’s account minimum, see Mercer Advisors Minimum Investment (2026): What It Takes to Open an Account.
For another firm’s account minimum, see Merrill Lynch Minimum Investment (2026): What It Takes to Open an Account.